MPB
Mid Penn Bancorp, Inc.
Banks - Regional
Market Cap$868M
5Y Perf.+85.9%
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Side-by-side financial analysisMPB
PFIS
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Stock Comparison
MPB vs PFIS
Revenue, margins, valuation, and 5-year total return — side by side.
PFIS
Peoples Financial Services Corp.
Banks - Regional
Market Cap$636M
5Y Perf.+66.3%
MPB vs PFIS — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot |  MPB |  PFIS |
|---|---|---|
| Industry | Banks - Regional | Banks - Regional |
| Market Cap | $868M | $636M |
| Revenue (TTM) | $348M | $281M |
| Net Income (TTM) | $56M | $59M |
| Gross Margin | 63.6% | 66.7% |
| Operating Margin | 20.5% | 25.7% |
| Forward P/E | 10.8x | 9.8x |
| Total Debt | $59M | $258M |
| Cash & Equiv. | $47M | $58M |
MPB vs PFIS — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
MPB
PFIS
| Stock | Jun 20 | Jun 26 | Return |
|---|---|---|---|
| Mid Penn Bancorp, I… (MPB) | 100 | 185.9 | +85.9% |
| Peoples Financial S… (PFIS) | 100 | 166.3 | +66.3% |
Price return only. Dividends and distributions are not included.
Quick Verdict: MPB vs PFIS
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: PFIS leads in 4 of 7 categories, making it the strongest pick for growth and revenue expansion and capital preservation and lower volatility. Mid Penn Bancorp, Inc. is the stronger pick specifically for valuation and capital efficiency and profitability and margin quality. As sector peers, any of these can serve as alternatives in the same allocation.
🥇PFIS emerged as the overall leader. Track its performance:
MPB
Mid Penn Bancorp, Inc.
The Banking Pick
MPB is the clearest fit if your priority is long-term compounding and bank quality.
- 164.5% 10Y total return vs PFIS's 118.8%
- NIM 3.2% vs PFIS's 3.1%
- Better valuation composite
Best for: long-term compounding and bank quality
PFIS
Peoples Financial Services Corp.
The Banking Pick
PFIS carries the broadest edge in this set and is the clearest fit for income & stability and growth exposure.
- Dividend streak 9 yrs, beta 0.68, yield 3.9%
- Rev growth 22.3%, EPS growth 493.9%
- Lower volatility, beta 0.68, Low D/E 49.7%, current ratio 8.76x
Best for: income & stability and growth exposure
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth |  PFIS | 22.3% NII/revenue growth vs MPB's 6.6% |
| Value |  MPB | Better valuation composite |
| Quality / Margins | MPB | Efficiency ratio 0.4% vs PFIS's 0.4% (lower = leaner) |
| Stability / Safety | PFIS | Beta 0.68 vs MPB's 0.72 |
| Dividends | PFIS | 3.9% yield, 9-year raise streak, vs MPB's 2.3% |
| Momentum (1Y) | PFIS | +34.3% vs MPB's +31.1% |
| Efficiency (ROA) | MPB | Efficiency ratio 0.4% vs PFIS's 0.4% |
MPB vs PFIS — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2025
FY 2025
MPB vs PFIS — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLPFISLAGGINGMPB
MPBMid Penn Bancorp, Inc.
0leads
PFISPeoples Financial Ser…
4leads
6 Total Categories
CATEGORYLEADERvs MPBMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
PFIS5/5
Valuation MetricsMultiples, price ratios, and targets
Tied
—
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
Tied
—
Total Returns1Y, 3Y, 5Y total returns with dividends
PFIS5/6
Risk & VolatilityBeta, volatility, and downside exposure
PFIS2/2
Analyst OutlookRatings, price targets, and dividends
PFIS2/2
Income & Cash Flow (Last 12 Months)
PFIS leads this category, winning 5 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
MPB and PFIS operate at a comparable scale, with $348M and $281M in trailing revenue. Profitability is closely matched — net margins range from 21.0% (PFIS) to 16.2% (MPB).
| Metric | MPBMid Penn Bancorp,… | PFISPeoples Financial… |
|---|---|---|
| RevenueTrailing 12 months | $348M | $281M |
| EBITDAEarnings before interest/tax | $79M | $80M |
| Net IncomeAfter-tax profit | $56M | $59M |
| Free Cash FlowCash after capex | -$31M | $43M |
| Gross MarginGross profit ÷ Revenue | +63.6% | +66.7% |
| Operating MarginEBIT ÷ Revenue | +20.5% | +25.7% |
| Net MarginNet income ÷ Revenue | +16.2% | +21.0% |
| FCF MarginFCF ÷ Revenue | -9.0% | +15.4% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +15.3% | +95.1% |
PFIS leads this category, winning 5 of 5 comparable metrics.
Valuation Metrics
Evenly matched — MPB and PFIS each lead in 3 of 6 comparable metrics.
Valuation Metrics
At 10.8x trailing earnings, PFIS trades at a 20% valuation discount to MPB's 13.4x P/E. On an enterprise value basis, MPB's 11.4x EV/EBITDA is more attractive than PFIS's 11.6x.
| Metric | MPBMid Penn Bancorp,… | PFISPeoples Financial… |
|---|---|---|
| Market CapShares × price | $868M | $636M |
| Enterprise ValueMkt cap + debt − cash | $881M | $836M |
| Trailing P/EPrice ÷ TTM EPS | 13.44x | 10.80x |
| Forward P/EPrice ÷ next-FY EPS est. | 10.81x | 9.83x |
| PEG RatioP/E ÷ EPS growth rate | — | 1.35x |
| EV / EBITDAEnterprise value multiple | 11.38x | 11.57x |
| Price / SalesMarket cap ÷ Revenue | 2.66x | 2.26x |
| Price / BookPrice ÷ Book value/share | 0.97x | 1.23x |
| Price / FCFMarket cap ÷ FCF | 13.28x | 14.66x |
Evenly matched — MPB and PFIS each lead in 3 of 6 comparable metrics.
Profitability & Efficiency
Evenly matched — MPB and PFIS each lead in 4 of 8 comparable metrics.
Profitability & Efficiency
PFIS delivers a 11.8% return on equity — every $100 of shareholder capital generates $12 in annual profit, vs $7 for MPB. MPB carries lower financial leverage with a 0.07x debt-to-equity ratio, signaling a more conservative balance sheet compared to PFIS's 0.50x.
| Metric | MPBMid Penn Bancorp,… | PFISPeoples Financial… |
|---|---|---|
| ROE (TTM)Return on equity | +7.4% | +11.8% |
| ROA (TTM)Return on assets | +0.9% | +1.2% |
| ROICReturn on invested capital | +6.8% | +7.7% |
| ROCEReturn on capital employed | +8.8% | +2.4% |
| Piotroski ScoreFundamental quality 0–9 | 6 | 6 |
| Debt / EquityFinancial leverage | 0.07x | 0.50x |
| Net DebtTotal debt minus cash | $13M | $200M |
| Cash & Equiv.Liquid assets | $47M | $58M |
| Total DebtShort + long-term debt | $59M | $258M |
| Interest CoverageEBIT ÷ Interest expense | 0.57x | 0.77x |
Evenly matched — MPB and PFIS each lead in 4 of 8 comparable metrics.
Total Returns (Dividends Reinvested)
PFIS leads this category, winning 5 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in PFIS five years ago would be worth $16,760 today (with dividends reinvested), compared to $13,577 for MPB. Over the past 12 months, PFIS leads with a +34.3% total return vs MPB's +31.1%. The 3-year compound annual growth rate (CAGR) favors PFIS at 18.4% vs MPB's 14.3% — a key indicator of consistent wealth creation.
| Metric | MPBMid Penn Bancorp,… | PFISPeoples Financial… |
|---|---|---|
| YTD ReturnYear-to-date | +12.6% | +34.4% |
| 1-Year ReturnPast 12 months | +31.1% | +34.3% |
| 3-Year ReturnCumulative with dividends | +49.2% | +66.1% |
| 5-Year ReturnCumulative with dividends | +35.8% | +67.6% |
| 10-Year ReturnCumulative with dividends | +164.5% | +118.8% |
| CAGR (3Y)Annualised 3-year return | +14.3% | +18.4% |
PFIS leads this category, winning 5 of 6 comparable metrics.
Risk & Volatility
PFIS leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
PFIS is the less volatile stock with a 0.68 beta — it tends to amplify market swings less than MPB's 0.72 beta. A beta below 1.0 means the stock typically moves less than the S&P 500.
| Metric | MPBMid Penn Bancorp,… | PFISPeoples Financial… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.72x | 0.68x |
| 52-Week HighHighest price in past year | $35.22 | $63.91 |
| 52-Week LowLowest price in past year | $26.02 | $43.64 |
| % of 52W HighCurrent price vs 52-week peak | +97.3% | +99.4% |
| RSI (14)Momentum oscillator 0–100 | 59.9 | 65.7 |
| Avg Volume (50D)Average daily shares traded | 142K | 58K |
PFIS leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
PFIS leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Wall Street rates MPB as "Buy" and PFIS as "Hold". Consensus price targets imply 2.2% upside for MPB (target: $35) vs -11.8% for PFIS (target: $56). For income investors, PFIS offers the higher dividend yield at 3.85% vs MPB's 2.29%.
| Metric | MPBMid Penn Bancorp,… | PFISPeoples Financial… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Hold |
| Price TargetConsensus 12-month target | $35.00 | $56.00 |
| # AnalystsCovering analysts | 2 | 1 |
| Dividend YieldAnnual dividend ÷ price | +2.3% | +3.9% |
| Dividend StreakConsecutive years of raises | 1 | 9 |
| Dividend / ShareAnnual DPS | $0.78 | $2.45 |
| Buyback YieldShare repurchases ÷ mkt cap | +0.3% | 0.0% |
PFIS leads this category, winning 2 of 2 comparable metrics.
Key Takeaway
PFIS leads in 4 of 6 categories — strongest in Income & Cash Flow and Total Returns. 2 categories are tied.
Best OverallPeoples Financial Services … (PFIS)Leads 4 of 6 categories
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MPB vs PFIS: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is MPB or PFIS a better buy right now?
For growth investors, Peoples Financial Services Corp.
(PFIS) is the stronger pick with 22. 3% revenue growth year-over-year, versus 6. 6% for Mid Penn Bancorp, Inc. (MPB). Peoples Financial Services Corp. (PFIS) offers the better valuation at 10. 8x trailing P/E (9. 8x forward), making it the more compelling value choice. Analysts rate Mid Penn Bancorp, Inc. (MPB) a "Buy" — based on 2 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — MPB or PFIS?
On trailing P/E, Peoples Financial Services Corp.
(PFIS) is the cheapest at 10. 8x versus Mid Penn Bancorp, Inc. at 13. 4x. On forward P/E, Peoples Financial Services Corp. is actually cheaper at 9. 8x.
03Which is the better long-term investment — MPB or PFIS?
Over the past 5 years, Peoples Financial Services Corp.
(PFIS) delivered a total return of +67. 6%, compared to +35. 8% for Mid Penn Bancorp, Inc. (MPB). Over 10 years, the gap is even starker: MPB returned +164. 5% versus PFIS's +118. 8%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — MPB or PFIS?
By beta (market sensitivity over 5 years), Peoples Financial Services Corp.
(PFIS) is the lower-risk stock at 0. 68β versus Mid Penn Bancorp, Inc. 's 0. 72β — meaning MPB is approximately 6% more volatile than PFIS relative to the S&P 500. On balance sheet safety, Mid Penn Bancorp, Inc. (MPB) carries a lower debt/equity ratio of 7% versus 50% for Peoples Financial Services Corp. — giving it more financial flexibility in a downturn.
05Which is growing faster — MPB or PFIS?
By revenue growth (latest reported year), Peoples Financial Services Corp.
(PFIS) is pulling ahead at 22. 3% versus 6. 6% for Mid Penn Bancorp, Inc. (MPB). On earnings-per-share growth, the picture is similar: Peoples Financial Services Corp. grew EPS 493. 9% year-over-year, compared to -12. 1% for Mid Penn Bancorp, Inc.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — MPB or PFIS?
Peoples Financial Services Corp.
(PFIS) is the more profitable company, earning 21. 1% net margin versus 17. 2% for Mid Penn Bancorp, Inc. — meaning it keeps 21. 1% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: PFIS leads at 25. 7% versus 22. 1% for MPB. At the gross margin level — before operating expenses — PFIS leads at 66. 6%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is MPB or PFIS more undervalued right now?
On forward earnings alone, Peoples Financial Services Corp.
(PFIS) trades at 9. 8x forward P/E versus 10. 8x for Mid Penn Bancorp, Inc. — 1. 0x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for MPB: 2. 2% to $35. 00.
08Which pays a better dividend — MPB or PFIS?
All stocks in this comparison pay dividends.
Peoples Financial Services Corp. (PFIS) offers the highest yield at 3. 9%, versus 2. 3% for Mid Penn Bancorp, Inc. (MPB).
09Is MPB or PFIS better for a retirement portfolio?
For long-horizon retirement investors, Peoples Financial Services Corp.
(PFIS) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 68), 3. 9% yield, +118. 8% 10Y return). Both have compounded well over 10 years (PFIS: +118. 8%, MPB: +164. 5%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between MPB and PFIS?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
In terms of investment character: MPB is a small-cap deep-value stock; PFIS is a small-cap high-growth stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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